Coverage
Umbrella and specialty coverage
Liability limits on a home or auto policy stop at a number. An umbrella policy sits above them and keeps paying, which matters because a judgment does not stop at your policy limit either. Specialty policies cover the things a standard personal policy was never written for.
What this coverage generally includes
- Personal umbrella liability, typically from $1 million upward
- RV, travel trailer and fifth wheel
- Boat and personal watercraft
- Classic and collector cars, on agreed value
- Scheduled valuables: jewellery, firearms, instruments, cameras
- Flood, through the NFIP or a private market
What we will ask you
- Your current home and auto liability limits
- Household assets and future income you would want protected
- Every vehicle, trailer and watercraft you own, licensed or not
- Any rental property, board seat or side business
Worth knowing
- An umbrella requires your underlying home and auto limits to reach a minimum first. We will tell you what has to move.
- An umbrella covers liability. It does not add coverage for your own property.
- Flood is a separate policy with its own waiting period, usually 30 days. Do not leave it to the last minute.
Descriptions of coverage on this site are general summaries for information only. They are not an offer of insurance, not a contract, and not a guarantee of coverage or price. Only the policy issued by the insurance company determines what is covered. Coverage, availability, discounts and eligibility vary by carrier and by applicant and are subject to underwriting.
Other coverage we place
- AutoLiability, collision and comprehensive cover for the cars your household actually drives.
- HomeCover for the structure, your belongings, and the liability of owning a home.
- CondoThe walls-in coverage your association master policy does not provide, plus your liability.
- RentersYour belongings and your liability. Inexpensive, and the one most renters skip.
- MotorcycleBikes, ATVs, UTVs and dirt bikes, including the gear and the custom parts.
- PetHelp with veterinary bills for accidents, illness and, on some plans, routine care.
- LifeTerm and permanent cover, sized to what the people who depend on you would need.
- BusinessGeneral liability, commercial property, commercial auto and workers compensation for Arizona businesses.
Get a quote, and a straight answer
Tell us what you have now and what you are worried about. We will compare the carriers we work with and walk you through the differences.